PANAMA Law and Practice Contributed by: Kharla Aizpurua O., Roberto Vidal and Miguel Arias, Morgan & Morgan
Morgan & Morgan is one of Panama’s largest and most recognised full-service law firms, with roots dating back to 1923. The Fintech area, comprised of over 10 legal professionals, as - sists both traditional players of the banking and financial sectors, which are getting involved in fintech developments, new market players with innovative technology developed in finance, and other niches like e-commerce and crowd - funding schemes. We help clients navigate all types of B&F, regulatory, technology, cyberse - curity, and data protection work, considering
Panama’s underdeveloped legal framework so that they can thrive with their operations in the country. This became imperative in our contin - ued compromise to support our clients in their digital transformation and response to this new era, especially in post-covid stages. Clients we have assisted include: PedidosYA (Delivery Hero), Oracle, Latam Digital Marketing (Google), MFTECH, S.A. (Mercantil Group), Wompi (Ban - colombia Group), Nequi (Bancolombia Group), Guatt, Inc., Coinflip, Elaniin Tech Company, Mercandú, Kuara, among others. Roberto Vidal is a partner in the corporate law department at Morgan & Morgan and co-heads the M&A practice. He specialises in banking law, insurance law, project finance, M&As, capital markets, and regulatory matters. Roberto has participated in and led transactions in various industries and has also assisted local and international clients in the fintech industry with regulatory matters for the implementation of fintech products and tools in Panama, such as e-wallets, exchanges, and payment services providers. Prior to joining the firm, he worked as an International Associate at White & Case, LLP, Miami, Florida, U.S.A., where he worked in the corporate law department reviewing M&As, project finance, and securities matters, among others.
Authors
Kharla Aizpurua O. is a partner in the corporate law department at Morgan & Morgan and co-heads the banking & finance and leads the technology & data protection practice areas. She
advises on both local and cross-border financing transactions. Kharla has been involved in operations related to syndicated loans, acquisition finance, public project financing (transportation and energy), securitisations, public issuances, M&As, and advisory services related to the telecommunications, fintech, startups, and e-commerce sectors, compliance, cybersecurity, and data protection. As the leader of the startups service line at the firm, she has advised clients at different stages and rounds of investment in their growth and sustainability plans in Panama, including industries such as fintech, technology, and telecommunications companies.
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